Portfolio Manager - SBA

Commercial Portfolio Manager II

The Commercial Portfolio Manager II is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate risk ratings and compliance with credit policy, loan agreements, and applicable banking regulations. This individual contributor position interacts closely with and supports Commercial Banking Relationship Managers, as well as other internal personnel, on commercial credit portfolio monitoring working under limited supervision. Essential Functions include :

• Monitor credit performance of individual commercial borrowers ensuring timely escalation or remediation, as appropriate.
• Responsible for the timeliness and accurate reporting of the commercial portfolio monitoring activities and adherence to credit policies, procedures and thresholds.
• Engage with customers, regularly, to discuss operating performance and business results including covenant compliance.
• Gain a thorough understanding of the borrowers' business model and industry trends to effectively evaluate sources of repayment and accurately assign risk rating.
• Collect and review all pertinent credit and financial information.
• Determine the need for more thorough investigation or additional information.
• Spread financial statements and prepare financial models designed to assess probability of default and loss given default.
• Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement review, and collateral valuation as appropriate.
• Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank's commercial loan portfolio.
• Identify emerging risks or material changes in a customer's financial position, including evaluation of compliance with loan agreements.
• Assist in completion of annual reviews, renewals, interim update memos, covenant calculations, and criticized asset reviews.
• Monitor early warning indicators and other forms of credit surveillance.
• Present analysis or address questions during credit discussions or presentations.
• Liaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team, and Special Assets to ensure necessary credit approvals are obtained and appropriately documented.
• Document and track key risk indicators associated with monitoring and control procedures and any applicable thresholds.
• Ensure compliance with Northwest's policies and procedures, and Federal / State regulations.

Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency. Work as part of a team.

Education and Experience preferred :